I have the exact same problem as you. I gave up playing the game altogether though. Gonna try your "solution" and hope it fixes it for me too...
really agravatting
Another trick that helped me in a different spot was installing a fresh copy into a different directory (without uninstalling the old), not patching or adding mods of any kind, rushing through the area/quest that was causing the problem, saving, then uninstalling the second installation. Your computer will not realize that you still have the old installation present until you reinstall (again) over top of your original install, then reapplying the patch, and finally reenabling any mods you may have installed.
Then you -might- be able to load up the save from the second install that is past the problem area and progress from there.
To try to pinpoint the issue here, what is your hardware configuration/OS?
I'm running Windows 7 on a 2.5ghz dual core Athlon with a Geforce 9800 GTX, SB Audigy, and 4gb of RAM.